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If you want to keep your credit history clean while maintaining your credit score, then paying off credit card debt is a must for you! If you procrastinate on bill payments then the interest will continue to accumulate which will result in an increased credit burden. This can have several ill effects like lower credit limits, a decrease in credit score, the possibility of falling into debt traps due to interest accumulation and increased burden. If you wish to avoid all the above-mentioned hardships, then make sure to follow these simple tips for paying off credit card debt on time: 1. Follow a payment strategy : Strategies are very important to get out of any complex situation. Credit card debts are also no exception to this widely known notion. You need to make a clear payment strategy to pay credit card bill wisely. Careful planning and clear goals backed up by proper research can help you pay credit card bill most efficiently. 2. Try a snowball method : Paying down minor credit ca

HDFC has its name built among the top when it comes to financial services and Credit Card Series. HDFC Regalia Credit Card offers premium benefits and hence has always been everyone's favorite. It also offers the advantage of a higher credit limit. However, Getting HDFC Regalia was not feasible for everyone due to its high eligibility standards and annual fees. To remove this constraint, HDFC introduced an Entry-level credit card in the same category as " HDFC Regalia First ", which can be suitable for slightly lower income groups as well. Both the credit cards, even though belonging to the same category, have many differences. In this article, we will talk about some of these significant differences between HDFC Regalia Vs HDFC Regalia First :   Eligibility HDFC Regalia: Monthly Income > Rs. 1,20,000 HDFC Regalia First: Monthly Income > Rs. 40,000 As we can see that HDFC Regalia First is much more feasible to people of lower-income groups due to le